• • A HOC resident who is committed to purchasing a home
  • A HOC resident who earns $35,000 or more annually
  • A HOC resident who will attend the FREE homebuying seminars offered by HOC, HCII, or any HUD approved counseling agency
  • A HOC resident who has completed an application and returned it to the Homeownership Specialist along with your credit report, W-2, Tax Returns and recent pay-stubs (Letter and Application)

Once you have submitted your application:

• • The Homeownership Specialist will review your application and credit report to determine what course of action should be taken to help you become a homeowner
  • Approximately three to four weeks after receipt of your application, a letter will be sent directly to you outlining your next step

Benefits of the HOC Homebuying Seminars:

• • Understanding the importance of a good credit and rental history
  • Cleaning up your credit report
  • Budgeting
  • Understanding the process of homebuying:
  • Prequalification
  • Finding a Lender
  • Finding a home
  • Home Inspections
  • HOC Homeownership Programs and Financing